Should/Ought To
You want to save money for a big purchase. What should you do?
You should create a budget and save a portion of your income every month
You want to create a budget. What do you need to ensure?
You need to track your income and expenses carefully.
What’s something you absolutely have to do before making a big purchase?
You must compare prices and check if you can afford it.
You’re good at managing money. What can you do?
You can create a budget and save money effectively.
You’re about to take out a loan. What should you consider first?
You ought to compare interest rates and make sure you can afford the repayments.
You’re opening a bank account. What do you need to get?
You have to provide identification, proof of address, and an initial deposit.
You’re applying for a loan. What must you do?
You must read the terms and conditions carefully before signing.
If you want to show someone a possible way to invest, what might you say?
You could invest in stocks or real estate to grow your wealth.
Your friend spends all their money and never saves. What advice might you give?
You should start tracking your expenses and save at least 10% of your income.
You want to invest but don’t have much knowledge. What must you do?
You must research different investment options or consult a financial advisor.
You’re saving for the future. What’s a rule you must follow?
You must set aside a portion of your income regularly.
There’s a possibility of a financial crisis. What might be true?
There could be a recession, so it's important to have savings.
Your credit card bill is very high. What should you do?
You ought to pay more than the minimum amount each month to avoid high interest.
If a financial decision is optional, what might you say about it?
You don’t have to invest, but it’s a good way to grow your savings.
If you’re using a credit card, what’s something you mustn’t do?
You mustn’t spend more than you can pay back.
If you’re not allowed to withdraw a certain amount from your bank, what’s a way to say it?
You can’t withdraw more than your daily limit.
You’re planning for retirement. What should you do?
You should invest in a retirement fund as early as possible.
If someone tells you they aren’t required to pay a debt immediately, how would they express it?
They might say, "I don’t have to make a payment until next month."
When you’re planning a budget, what’s something you should avoid doing?
You mustn’t ignore unexpected expenses or emergencies.
If you’re too young to open a bank account on your own, how might you express this restriction?
I can’t open a bank account without a parent’s permission.